Collision vs. Comprehensive Auto Insurance Explained in 2024 (Key Points Outlined)

Figuring out the difference between comprehensive and collision insurance can be tricky since they both involve damage to your vehicle. In this guide, we’ll break down comprehensive vs. collision insurance so you know if you should add either or both to your policy.

Collision car insurance coverage pays for damages to your vehicle from a collision. On the other hand, comprehensive auto coverage pays for damages unrelated to an accident, like fire, theft, vandalism, and floods. Adding collision and comprehensive insurance to your policy is usually affordable, with rates starting at just $24 per month.

Keep reading to learn more about comprehensive coverage vs. collision coverage and see if you should have them. To find affordable collision and comprehensive insurance, enter your ZIP in our free quote tool.

Difference Between Collision and Comprehensive Coverage

There are many types of auto insurance coverage, and knowing what you need can get confusing. For example, while most states require drivers to carry liability coverage, no state requires comprehensive and collision insurance, so adding comprehensive or collision coverage is up to the driver.

Typically, adding both coverages costs less than $2 a day. Take a look at the different rates for the two coverages at top companies.

Collision and Comprehensive Auto Insurance Monthly Rates by Provider

So, what is the difference between a comprehensive vs. collision deductible? Comprehensive and collision insurance are two types of coverage that can be included in an auto insurance policy. The main difference between a comprehensive and collision deductible is the type of damage they cover.

Typically, drivers add both coverages to their insurance policies to cover all types of damage. Additionally, many insurance companies offer them as a package.

When deciding if you need to file a comprehensive vs. a collision claim, consider how the damage to your car occurred. You won’t be able to file both, so file a collision claim if you were in an accident and a comprehensive auto claim for most other damages.

Is comprehensive and collision coverage the same as full coverage? Full coverage auto insurance includes collision, comprehensive, liability, and other state-mandated coverages. Keep in mind that states requiring insurers to cover broken windshields and glass also require drivers to carry full coverage to get the benefit.

What Collision Auto Insurance Covers

What does collision car insurance cover? Collision coverage is insurance that pays for damage to your vehicle from an accident. However, it doesn’t cover damage from other sources, such as fire, theft, or vandalism.

According to the Insurance Information Institute, collision coverage pays for damages from:

• Collisions With Vehicles and Stationary Objects
• Someone Hitting Your Vehicle
• A Hit-and-Run
• A Single-Car Rollover Accident
• Hitting a Pothole

About 75% of drivers choose to carry collision coverage. However, collision only covers your vehicle. It won’t pay for injuries from an accident. You’ll need personal injury protection and/or medical payments coverage to handle injury costs.

So, does insurance cover hydroplaning or driving into a pothole? You can file a collision claim for damages to your car from accidents such as hydroplaning and hitting a tree, breaking a rim from a pothole, or someone hitting your parked car and leaving.

Wondering who pays if someone else damages your car? Although collision coverage pays for damage to your car that you cause, you may also be able to use it if someone else damages your car.

If another driver damages your car, you will file a claim on their liability coverage. However, if you cannot file with the other insurance company, you can file a claim with your insurer under your collision coverage.

Your claim would be subject to your deductible, and your car insurance rates may increase after filing the claim. If possible, file your accident claim with the other insurance company. Although dealing with another insurer may be more challenging, you’ll avoid paying a deductible and keep your rates low.

What Comprehensive Auto Insurance Covers

Comprehensive insurance does not cover a collision with another car or object but does cover a stolen vehicle, hail, or vandalism damages. So, what does comprehensive insurance mean?

When it comes to car insurance, comprehensive vehicle insurance pays for damages from:

• Fire, Terrorism, and Riots
• Theft and Vandalism
• Falling Debris
• Natural Disasters
• Animal Collisions

Since comprehensive coverage pays for damages from unforeseen circumstances usually out of a driver’s control, almost 80% of drivers add it to their policies.

Insurance covers your car in the event of an accident, but what about vandalism or bad weather?😱That’s where comprehensive coverage comes in! At https://t.co/27f1xf131D, we want to help you decide if this coverage add-on is worth it! Learn more here👉: https://t.co/ii0sdamcEp pic.twitter.com/BSMBfTAaIx

— AutoInsurance.org (@AutoInsurance) May 31, 2023

Wondering does my comprehensive insurance cover stolen cars? A stolen car is covered if you have comprehensive coverage. Although, on average, almost two cars are stolen every minute in the U.S., major cities have a much higher theft rate than rural areas.

While comprehensive insurance pays if your car is stolen, it’s generally cheaper and easier to prevent theft in the first place. Keep your doors locked, add anti-theft devices like alarms, and consider adding devices that keep your car from starting, like a kill switch.

In addition, many GPS devices are available that track your vehicle and make recovery easier. Although some cars have features like On-Star, it’s easy to add aftermarket devices to keep your vehicle safe.

Comprehensive car insurance does have its limits, too. For example, comprehensive covers a stolen vehicle, but items stolen from your car are not covered. Your homeowners’ or renters’ insurance may cover things like phones and laptops stolen from your vehicle.

However, comprehensive car insurance coverage pays for damages from a variety of causes. For example, you can file a comprehensive claim if you hit a deer, a tree falls on your car, or your car is stolen.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cost of Comprehensive and Collision Auto Insurance

Considering what comprehensive car insurance and collision car insurance cover, the cost is inexpensive. When it comes to comprehensive vs. collision auto insurance, comprehensive is usually the cheaper coverage. Although rates vary from driver to driver and state to state, adding collision and comprehensive auto insurance for full coverage raises your car insurance rates very little.

This map shows average monthly rates for full coverage in each state.

Since rates vary by different auto insurance companies, shop around for affordable coverage by gettting quotes from companies like Geico.

Geico is usually an affordable option, but it’s not always the cheapest auto insurance company. Make sure to compare as many quotes as possible to ensure you get the lowest rates in your area.

Collision and Comprehensive Deductibles

Do you have to pay a deductible for collision and comprehensive coverage? A deductible is the amount of money you have to pay before your car insurance kicks in. While deductibles vary, most range between $500-$1,000. You can choose your comprehensive and collision deductibles, and they don’t have to be the same amount.

It’s essential to consider your deductible when filing a claim. For example, if the damage to your vehicle is $500, but your deductible is $1,000, your insurance won’t cover any of the costs. However, if the damage to your car is $1,000 and your deductible is $500, then your insurance would cover that other $500.

Learn more: What is a good deductible for auto insurance?

Remember that your car insurance rates may rise after filing a claim, so determine if it is worth it. It may be cheaper to pay for repairs yourself and keep your insurance rates low.

Maximum Auto Insurance Payouts

What is the maximum payout for car insurance? If your car is damaged, your car insurance company will only pay so much to repair it. If damages are too extensive, your insurer may consider the vehicle totaled. The maximum payout you receive will depend on the value of your car before it was damaged.

Read more: How to Dispute an Auto Insurance Claim 

An insurance company may total your car if repairs don’t make it safe to drive, repairs cost more than the vehicle is worth, or repairs cost more than a high percentage of the vehicle’s worth.

For example, if your car is worth $5,000, but repairs cost $6,000, your insurance company will total your car. Also, some insurers may total the vehicle if repairs cost 75% of the value. Even a new car can quickly reach the threshold. Since technology is so costly, repairs can be expensive for newer cars. In addition, a new vehicle can be totaled if extensive damages are sustained.

Buying Only Comprehensive or Collision Auto Insurance

When it comes to deciding about adding comprehensive vs. collision coverage, many drivers wonder if they can purchase one type without the other. Unfortunately, most insurance companies won’t sell one without the other.

If you want collision and comprehensive auto insurance coverage, insurance companies will likely offer you a full coverage auto insurance policy. That way, you’ll have the comprehensive damage coverage you want with the insurance required by your state.

The one exception to this rule is that you can sometimes purchase comprehensive excluding collision insurance. If you plan to leave your car parked safely in a garage for an extended period of time, you may be able to purchase auto comprehensive insurance without collision.

Full Coverage vs. Comprehensive and Collision Auto Insurance

A common question that arises when drivers are looking at collision vs. comprehensive insurance is if buying both means you have a full coverage policy. While comprehensive and collision car insurance is part of a full coverage policy, that’s not all that’s included.

However, figuring out what full coverage means can be confusing. In fact, the meaning of full coverage is often debated, as you can see with these Reddit users asking, “Is comprehensive insurance full coverage?”

While these Reddit users couldn’t agree on a definition, a standard full coverage car insurance policy includes comprehensive car coverage, collision insurance, and the following:

• Liability Insurance: Liability auto insurance is split into two parts: bodily injury and property damage. This coverage pays for damage you cause to other people and their vehicles or property in an accident.
• Uninsured/Underinsured Motorist Coverage: Most states require insurance before you can drive, but that doesn’t mean everyone follows the law. Uninsured/underinsured motorist coverage protects you against drivers with inadequate coverage.
• Personal Injury Protection/Medical Payments: Depending on the state you live in, you can purchase personal injury protection (PIP) insurance or medical payments (MedPay) to cover health care costs after an accident.

When deciding between comprehensive vs. collision insurance, determining if a full coverage policy would be best for you is an important step to take. It costs more than a minimum insurance policy, full coverage offers much better protection.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Deciding if Comprehensive and Collision Insurance Are Right for You

Do I need comprehensive and collision coverage? While collision and comprehensive coverage are inexpensive, some drivers may not want the added expense. For example, you might skip additional coverage if your vehicle is older or not worth much money. However, there are times when you need added protection.

You should get comprehensive or collision car insurance if:

• You can’t afford to repair or replace your vehicle out of pocket
• You have a car loan or lease
• You live in an area with severe weather, a large traffic volume, or high theft rates

Most lenders require you to use collision and comprehensive coverage to protect their investment. However, once your loan is paid off or your lease is over, you can drop comprehensive and collision coverage if you like. Additionally, you may drop comprehensive coverage if you can pay to repair or replace your vehicle out of pocket.

Read more: Cheap Auto Insurance for Older Vehicles

Should I get collision and comprehensive insurance? If you cannot pay to replace or repair your car, adding collision and comprehensive coverages to your policy is inexpensive and will provide the protection you need. If you need help deciding between comprehensive vs. collision car insurance, an insurance representative can help.

Rental Car Insurance

Does my car insurance include rental cars? Your insurance coverage usually extends to a rental car, but it doesn’t pay for the rental itself. So, if you’re in an accident in a rental car, your personal car insurance may cover the damages. But the cost of renting the car isn’t covered.

If your car is in the shop from a covered claim and you need a rental car, you need rental car reimbursement to cover the costs. Rental car reimbursement is a benefit you must add to your policy and costs extra.

However, there is a limit to what your insurance covers. For example, it may pay $25 a day for 30 days for a rental car. You would pay anything over that cost.

Comprehensive Car Insurance vs. Collision Car Insurance: The Bottom Line

Collision and comprehensive coverages are often purchased together. Both comprehensive and collision coverage cover damages to your vehicle. However, collision covers accidents, and comprehensive covers damage unrelated to an accident.

Although no minimum auto insurance requirements by state require collision or comprehensive, the additional coverage is inexpensive and provides more protection than just liability. Consider adding comprehensive and collision coverage if you can’t afford to repair or replace your vehicle yourself. Additionally, most lenders require both coverages if you have a car loan or lease.

Most drivers find the added benefits and peace of mind that come with collision and comprehensive coverage far outweigh the increased car insurance rates. Shop for affordable collision and comprehensive car insurance today by entering your ZIP code into our free quote tool.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption